Financial Keys - A member firm of Genesys Wealth Advisers


News and Insights

Who has the time to research all the banks in the market for their loans, let alone understand each one of their loan products? You could spend weeks if not months searching for the best deal that ultimately may or may not meet your needs and probably come away even more confused than when you started.

This is why many people simply head straight to their bank when it comes time to apply for a home loan or any other finance for that matter. Is this the smartest thing to do? Many experts warn, that you may be missing out on significant savings and benefits if you do.

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October 28, 2014
Category: Latest News and Property

After strong growth in global share markets from June until August, September and early October saw markets retreat. Is this the beginning of a bear market or simply a market correction?

From an investment market cycle perspective, it would seem that it is a market correction, as there does not appear to be extremely over-valued stocks, investor euphoria, overheated economic conditions or other typical symptoms that precede a major bear market.

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October 28, 2014

In late 2013 and after much research, Financial Keys introduced contrarian investment manager, Allan Gray into its stable of approved investments. By way of background, typically a contrarian investor is one who attempts to profit by investing in a manner that differs from conventional wisdom, when the consensus opinion appears to be wrong.

Financial Keys recently caught up with the investment managers of Allan Gray and asked for their current view on the markets. Please take the time to read their current thoughts in this article.

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September 15, 2014

Another July  and another new financial year. Most do not make new Financial Year resolutions like we do at midnight on 31 December, but taking the time to review your options for the next financial year may well be a resolution that pays off in the long run.

In the weeks and months leading to the 30 June, Financial Keys has provided various updates and notifications on the topics of Tax, Superannuation and legislative change. For many of us, there is a lot going on at work, and at home, and we can only hope we have looked after our own finances/affairs as well as our own clients, whatever your vocation.

As some of the dust settles on the May Federal Budget and, for some, July can be a slower month; we thought it would be a good idea to provide a review. Below, we look at a range of areas for you to consider early on in the financial year with regard to your financial affairs. The aforementioned changes are in place, so what now can you do to place yourself in a better financial position?

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July 14, 2014

The combination of reasonable growth and declining bond yields continues to provide tailwinds for equities. US economic data seems to be improving after a weak start to 2014, while Japan appears to be coping with the sales tax increase. The European recovery remains broadly intact and China continues to go through change.

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June 27, 2014

With the current volatility in global markets i.e. US taper, economic uncertainty coming out of the Ukraine, European interest rates dropping below zero to stimulate growth, continued media hype of a China slowdown, Iron Ore price concerns, Australians working out how to deal with the Budget changes (if passed) etc etc, many investors, both young and old, seem to be making nervous decisions. In some cases, and probably worse still, many are simply NOT making any decisions, remaining in low interest cash investments - retreating to the sidelines if you like and are merely watching and taking no action.

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June 26, 2014

The Treasurer Joe Hockey delivered his first budget speech last night, containing few surprises. The Budget measures announced include increased ‘taxes’ in the form of a temporary levy for high income earners, tighter welfare rules, and wider cuts to education and spending.

This article is a summary of key announcements that you may affect you from a financial advice perspective.

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May 14, 2014

Although the year didn’t start particularly well with most equity markets falling in January, the strong recovery over the remainder of the March quarter off the back of positive business results and economic data provides encouraging signs for the year ahead.

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April 4, 2014

Research shows that an alarming number of Australians don’t have personal insurance cover; and those that do simply don’t have enough. There is a lack of education in this area and often a false sense of security as individuals ‘think’ they are protected by certain means (e.g. private health cover, insurance in super etc.) but in reality, there is a significant gap between the protection they have and the protection they need. Often the realisation of this gap occurs when it’s too late, causing havoc to the individual and their family.

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April 3, 2014
Category: Latest News and Insurance

View Conveyancing as a Chore at your Peril!

by Amy Williams & David Evans - O'Neill Partners

Purchasing a property is, for most people, the biggest financial transaction in their lives. Interesting then, that the required process of conveyancing is often viewed as a chore or a nuisance rather than a key aspect in risk management. Financial Keys has asked O’Neill Partners solicitors, specialists in Conveyancing, to give us an overview of the tension between risk and cost in the Conveyancing process.

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April 2, 2014
Category: Latest News and Property

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